Indigo Platinum MasterCard: Reviews, Pre-Qualify, Apply Now!

The Indigo Platinum MasterCard is a starter unsecured credit card for people without high credit scores. With a credit limit of $300 and no security deposit required.

The card, issued by Utah-based Celtic Bank, comes in a variety of different colors and designs, but don’t let that distract you from its potentially high fees. Depending on the offer you get, it can provide a costly pathway toward building credit. Even for those with poor credit, better options exist.

Indigo Platinum MasterCard

Indigo Platinum MasterCard Benefits

The MasterCard Benefits are an additional benefit of the Indigo MasterCard included at no additional charge. These benefits include:

  • MasterCard ID Theft Protection – Provides thorough identity monitoring covering your social security number, email addresses, debit cards, credit cards, bank accounts, usernames and passwords for web logins, and much more.
  • Zero Liability protection – When you use your MasterCard, have peace of mind knowing that you are not held responsible for unauthorized transactions.

Your Indigo MasterCard account history is reported to all three major credit bureaus and gives you the chance to establish a consistent payment record while enjoying the convenience of a credit card. Cardholder benefits also offered by the Indigo Platinum MasterCard include:

  • Fast prequalification process with no impact to your credit score
  • Custom credit card design
  • Mobile account access anytime
  • Extended warranty coverage
  • Roadside assistance
  • Travel and emergency assistance
  • Rental car insurance

You can read more in the Mastercard Guide to Benefits which details all of the program terms and conditions. https://www.indigocard.com/GenesisCards/media/Image/32043_GFS_BR_10051.pdf

Why Choose Indigo Platinum MasterCard?

You’re unique and your credit card should be too. With the Indigo MasterCard, you can build credit while creating the life you’ve always dreamed of.

You shouldn’t have to put your plans on the backburner just because you have a challenging credit history. With Indigo MasterCard you can build credit while you go where you want, when you want.

Indigo Platinum MasterCard pros and cons

Pros

  • Applicants with bad credit, no credit history, or a previous bankruptcy may prequalify with only a soft credit check.
  • The card offers an unusually-low 1 percent foreign transaction fee, making it a decent option for making purchases overseas.
  • The issuer reports card activity to all three major credit bureaus each month, making it easier to build credit history.

Cons

  • The card has a high regular APR, which may make it a little more difficult to pay off debt incurred with the card.
  • Depending on your creditworthiness, your annual fee could be very high (up to $99 per year, $75 your first year).
  • The low maximum credit limit of $300 can make it harder to keep your credit utilization ratio low (carrying a balance of just $90 would give you a 30 percent utilization ratio).

Indigo Platinum MasterCard Application

Anyone who is interested in establishing or rebuilding their credit can apply for the Indigo MasterCard. To be pre-qualified or approved, you must:

  • Must be at least 18 years old, have a valid social security number, physical address, and a US IP address.
  • Not have had an Indigo Mastercard Account that charged off due to delinquency.
  • Meet additional credit qualification criteria, including a review of your income and your debt, and identity verification requirements.

The Indigo MasterCard is one of the easier credit cards to get and has an easy application process. You may do the whole thing online in about a minute or less, as long as you have all your necessary information available (this includes your Social Security number, a physical address, and an IP address located in the United States).

Indigo Pre-Approval Process

It’s easy to see if you’re pre-qualified. Submit the quick pre-qualification form and get results within minutes. Using the card’s website, you can apply for it online and get pre-approval in just a few seconds.

All you have to do is provide your entire legal name, address, birth date, Social Security number, email address, and your phone number.

Sometimes, Indigo will send you a pre-approval letter in the mail too, which you can use to complete the process. Pre-Qualify Now. Go to https://www.indigocard.com/pre-qualify

Indigo Platinum MasterCard Application Over The Phone

The Indigo Platinum MasterCard is a card with a low credit limit and minimal frills, the Indigo Platinum MasterCard is ideal for people looking to rebuild or establish credit,. Instead of offering rewards to cardholders, this card provides less stringent qualification criteria than other credit cards without requiring a deposit to secure the credit line.

There is not an apply-by-phone option at this time. Please complete the online pre-qualification form to get started. Customer service assistance is available at 1-800-353-5920 (from 6:00am to 6:00pm, Pacific Time, M-F).

Receive an offer in the mail? Apply Now, Go to https://www.indigocard.com/invite

MyindigoCard – Manage My Indigo Platinum MasterCard Account

MyindigoCard online portal allows you to manage your Indigo Platinum MasterCard account online anytime and anywhere. Through the MyindigoCard portal, you can easily make payments, view, verify transactions & statements, Check available credit, redeem payment rewards or schedule a payment 24 hours a day, 365 days a year.

MyIndigoCard portal created with the motive to provide safe, user-friendly, and secure access to customers’ Indigo Platinum Mastercard. This online portal can be accessed anytime and anywhere, thus making it super convenient. You can take advantage of various benefits of the card: pay bills, access account information, view the transaction history of the card, and maintain the accounts at the same time.

All the details are shown in one simple view and the login information is easily available for you to review. You can change the PIN number or attempt another activation, but remember that both methods will require you to re-enter your account.

MyindigoCard Login

After you have registered your MyindigoCard for online activities or if you are an existing Indigo Platinum MasterCard Account account holder, its time to log in to your account. So, check out the steps given below and make sure to follow them accordingly if you want to login into your credit card account.

Step 1: Go to the MyindigoCard Login

Step 2: Upon reaching the MyindigoCard login page, provide your username and password in the blank spaces below and then press “Log In”. If the particulars entered are correct you will also be taken to your account dashboard.

If there have been multiple unsuccessful attempts to sign into your account, they will temporarily suspend your online account access for your security. They will send an email with instructions to the email address they have on file for your account.

Indigo Platinum MasterCard Payment Options

The easiest way you can pay your Indigo Credit Card bill is either online or over the phone at (866) 946-9545. Alternatively, you can send a payment via mail. The Indigo Credit Card requires at least a minimum monthly payment of $40 or 7% of your balance, whichever is more.

You just need to choose the one of your convenience. Learn more about options to make your Indigo credit card payment.

Indigo Platinum MasterCard Customer Service

Overall, the Indigo Platinum MasterCard customer service portal is an excellent starting place for any assistance. What are you looking for? To get in touch with customer support please use the following contact information if you have a problem with this portal.

Contact Platinum MasterCard Customer Service by mail or phone. Learn more about Indigo Platinum MasterCard Fraud Prevention Practices and FAQs